District: 10
Federal Reserve Bank of: Kansas City

Filings received during the week ending August 19, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

AMERICAN HERITAGE BANK

* Branch

American Heritage Bank, Sapulpa, Oklahoma, to establish a branch in the 200 block of South Adams Road, (specific street address to be assigned by the city) Alliance Business Park, Sand Springs, Oklahoma.

Newspaper:

08/31/2006

Federal Register:

Not applicable

CYPRESS CORPORATION

CIC

Notice by the Helen D. Roberts Trust for Bruce Lauritzen, and by Elizabeth D. Lauritzen as individual trustee, to acquire control of Cypress Corporation, all of Omaha, Nebraska, parent of Sibley State Bank, Sibley, Iowa.

Kearney Commercial Bank, Kearney, Missouri, to establish a branch at 930 West Liberty Drive, Liberty, Missouri, and to increase its investment in bank premises in the amount of $137,704.

Newspaper:

08/16/2006

Federal Register:

Not applicable

Availability of CRA Public Evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: